LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,312
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$79,716
−HK$2,444/mo
Today · 4.125%
HK$82,160
baseline
▲ 0.50% · 4.625%
HK$87,159
+HK$4,999/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$164,320/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,008
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,315
−HK$2,340/mo
Today · 4.125%
HK$90,655
baseline
▲ 0.50% · 4.625%
HK$95,434
+HK$4,779/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$181,310/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,774
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,660
−HK$2,932/mo
Today · 4.125%
HK$98,592
baseline
▲ 0.50% · 4.625%
HK$104,591
+HK$5,999/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$197,184/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,210
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,978
−HK$2,808/mo
Today · 4.125%
HK$108,786
baseline
▲ 0.50% · 4.625%
HK$114,520
+HK$5,734/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$217,572/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,236
−HK$6,787/mo
▼ 0.25% · 3.875%
HK$111,603
−HK$3,420/mo
Today · 4.125%
HK$115,023
baseline
▲ 0.50% · 4.625%
HK$122,022
+HK$6,999/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$230,046/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,412
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$123,641
−HK$3,276/mo
Today · 4.125%
HK$126,917
baseline
▲ 0.50% · 4.625%
HK$133,607
+HK$6,690/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$253,834/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,161
−HK$8,726/mo
▼ 0.25% · 3.875%
HK$143,489
−HK$4,398/mo
Today · 4.125%
HK$147,887
baseline
▲ 0.50% · 4.625%
HK$156,886
+HK$8,999/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$295,774/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,815
−HK$8,364/mo
▼ 0.25% · 3.875%
HK$158,967
−HK$4,212/mo
Today · 4.125%
HK$163,179
baseline
▲ 0.50% · 4.625%
HK$171,780
+HK$8,601/mo
Deposit HK$3.39M · loan HK$30.51M · min. income ≈ HK$326,358/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,952 · Scale 2, in force from 26 Feb 2026)